It is not recommended to consider this behavior.

Usury is illegal, so the borrower only needs to repay the principal and interest within the scope of the law. In addition, because usury is a violent crime in many ways to obtain debts, it is not recommended that the parties consider this method of borrowing.

Private lending is a civil act and is subject to the constraints and protection of civil law and contract law.

However, according to Article 211 of the "Contract Law": "If a loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate national regulations on limiting loan interest rates."

According to the "Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases", if the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24, the lender has the right to request the borrower to pay interest according to the agreed interest rate; However, if the interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36, the interest exceeding the annual interest rate of 36 shall be deemed invalid.

"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases"

Article 26 The interest rate agreed upon by the borrower and the lender does not exceed the annual interest rate of 24, and the lender requests a loan If a person pays interest according to the agreed interest rate, the people's court shall support it.

The interest rate agreed between the borrower and the lender exceeds the annual interest rate of 36, and the interest agreement for the excess portion is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support the request.